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INDONESIA
Jurnal Bisnis dan Manajemen
Published by Universitas Merdeka Malang
ISSN : 18297528     EISSN : 25811584     DOI : -
Core Subject : Science, Social,
Decision Sciences, Operations Research & Management Social Sciences
Jurnal Bisnis dan Manajemen covers the areas of financial management science, human resource management, marketing management, and strategic management It also covers the field of entrepreneurship.
Arjuna Subject : -
Articles 262 Documents
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Buy Now Pay Later Usage Intensity, Financial Distress, and Coping Strategies: A Qualitative Study of Muslim University Students in Medan, Indonesia Trisnawati Lubis; Nur Ahmadi Bi Rahmani; Imsar
Jurnal Bisnis dan Manajemen Vol. 13 No. 1 (2026): Jurnal Bisnis dan Manajemen Volume 13 Nomor 1 Tahun 2026
Publisher : Jurnal Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jbm.v13i1.17580

Abstract

The advancement of financial technology has driven the emergence of various innovations in digital financial services, one of which is Buy Now Pay Later (BNPL). This service facilitates the payment process, offers payment flexibility, and provides quick access to financing, making it increasingly popular, particularly among university students. However, the use of Buy Now Pay Later (BNPL) without proper financial management may potentially lead to financial distress, a condition in which individuals experience difficulties in meeting their financial obligations due to limited economic capacity. This study aims to: (1) examine the intensity of Buy Now Pay Later (BNPL) usage among students at the State Islamic University of North Sumatra; (2) analyze the impact of Buy Now Pay Later (BNPL) usage on the financial distress experienced by students; and (3) analyze the efforts undertaken by students to minimize financial distress resulting from the use of Buy Now Pay Later (BNPL). This study employed a qualitative approach using a descriptive method. The research participants consisted of students at the State Islamic University of North Sumatra who use Buy Now Pay Later (BNPL) services. Data were collected through interviews, observations, and documentation and were subsequently analyzed using the interactive data analysis model developed by Miles, Huberman, and Saldaña. The findings reveal that, first, the intensity of Buy Now Pay Later (BNPL) usage among students is categorized as high. The high level of usage is influenced by several factors, including ease of access, various promotional programs, economic needs, and a tendency toward a consumptive lifestyle. Second, intensive use of Buy Now Pay Later (BNPL) contributes to the emergence of financial distress, as indicated by difficulties in managing finances, increasing installment burdens, delayed bill payments, and psychological pressure arising from financial obligations. Third, students undertake several efforts to minimize financial distress, including limiting their use of Buy Now Pay Later (BNPL), preparing financial budgets, prioritizing needs over wants, and improving financial literacy as a foundation for managing personal finances more efficiently. Overall, this study confirms that Buy Now Pay Later (BNPL), as one of the services offered by financial technology, provides convenience and flexibility in meeting transaction needs. Nevertheless, when its use is not accompanied by sound financial management and adequate self-control, the service may increase the risk of financial distress among university students
Integrating SOAR Analysis and Maqasid al-Shariah in the Development of Cassava Chips Micro-Enterprises: Evidence from Sonomartani Village, North Labuhanbatu Regency Sella Febrianti; Waizul Qarni; Purnama Ramadani Silalahi
Jurnal Bisnis dan Manajemen Vol. 13 No. 1 (2026): Jurnal Bisnis dan Manajemen Volume 13 Nomor 1 Tahun 2026
Publisher : Jurnal Bisnis dan Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jbm.v13i1.17589

Abstract

This study aims to analyze the development strategy of a cassava chips home industry in Sonomartani Village, North Labuhan Batu Regency using the SOAR (Strengths, Opportunities, Aspirations, Results) approach integrated with the maqasid sharia perspective. The research method employed is descriptive qualitative, with data collection techniques including interviews, observations, and documentation. The results indicate that the business possesses strengths in the availability of raw materials, distinctive taste, and affordable prices, as well as opportunities in stable market demand and the growth of digital marketing. The resulting development strategies include optimizing digital marketing, product innovation, improving packaging quality, and expanding market reach. The most influential strategy is the optimization of digital marketing supported by the advantages of local products. From the maqasid sharia perspective, this business reflects the values of preserving religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-‘aql), lineage (hifz al-nasl), and wealth (hifz al-mal) through the use of halal materials, hygienic production processes, and contributions to community welfare. Therefore, business development is not only profit-oriented but also emphasizes public benefit and sustainability

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